Find out everything you need to know about credit cards, your eligibility and how to get approved. It can be tricky to understand the difference between credit card types and determine which one is right for you. Read our well-researched, easy-to-understand guides to become an expert in no time.
The minimum payment is the smallest amount you must pay on your credit card each month. Find out how it is calculated, what happens if you only pay the minimum, and how to clear your balance faster.
Article written by Fiona Peake
4 min read
A student credit card can help you build your credit history from scratch. Find out how they work, what to look for, and how to use one responsibly.
Article written by Fiona Peake
6 min read
Find out when to pay your credit card, how much to pay, and what happens if you miss a payment — plus tips on using payment timing to protect your credit score.
Article written by Fiona Peake
5 min read
No, you can't get a credit card without a credit check in the UK. Find out why lenders need to run one, what your options are, and how to protect your credit score in the process.
Article written by Fiona Peake
5 min read
Learn how credit card interest works and the things you can do to reduce how much you pay in fees and interest.
Article written by Fiona Peake
5 min read
Wondering how many credit cards you should have? Discover the benefits and risks of multiple cards, and how they can affect your credit score.
Article written by Fiona Peake
5 min read
Wondering whether to close an unused credit card? Learn how it can affect your credit score and what to consider before making a decision.
Article written by Fiona Peake
4 min read
Find out how to get a credit card with no credit history, how credit builder cards work, and simple tips to start building your credit score.
Article written by Fiona Peake
4 min read
Learn how credit card limits work, what affects your limit, how to request an increase, and tips for managing it responsibly to protect your credit score.
Article written by Fiona Peake
3 min read
If you have a CCJ, acting quickly can make a big difference. Learn what a CCJ means, what happens next, and how to deal with it or get it removed.
Article written by Fiona Peake
6 min read
Found an error on your credit report? Keeping your file up to date can help improve your score. Find out how to fix mistakes on your report here.
Article written by Josephine Haagen
6 min read
Find out how much a credit card costs in the UK, including fees, interest rates, and ways to use it without paying extra.
Article written by Fiona Peake
4 min read
Learn what Mastercard is, how it works, and what it means for your credit, debit or prepaid card when you use it in shops, online or abroad.
Article written by Fiona Peake
2 min read
Thinking of switching credit cards? Learn how it works, what to look for, and how to choose the right card for your needs with confidence.
Article written by Fiona Peake
6 min read
Some actions can improve your credit score in months, while others will take longer. Making payments on time and having utility bills in your name will boost your score.
Article written by Emma Lunn
5 min read
Hard credit checks are visible to organisations looking in-depth at your credit history. Soft credit searches are only visible to you.
Article written by Emma Lunn
6 min read
Are you thinking about taking out a credit card? Find out the pros and cons before you apply to make sure you’re making the right decision for you.
Article written by Fiona Peake
6 min read
If you are struggling to borrow money with bad credit, there may still be loans and credit cards available to you. Read on to find the borrowing option for you.
Article written by Josephine Haagen
6 min read
Getting pre-approved for a credit card can feel like a win. Discover what you can do to improve your chances of being pre-approved, and what it means if you are.
Article written by Fiona Peake
4 min read
Just moved to the UK and planning to apply for a credit card? There are ways to improve your chances of being accepted when you arrive.
Article written by Josephine Haagen
3 min read
How long does a credit card refund take? Find out how refunds work, what affects the timing and what you can do if something goes wrong.
Article written by Fiona Peake
5 min read
Wondering if you can pay friends, family, or even your builder with a credit card? Learn your options, costs, and the best ways to pay someone safely with your credit card.
Article written by Fiona Peake
4 min read
Find out if credit cards with no set credit limit exist, how they work, and whether they might be right for you.
Article written by Fiona Peake
3 min read
A joint credit card could help you keep track of shared spending. Understand how a joint credit card works and who is responsible for repaying the debt.
Article written by Fiona Peake
3 min read
Yes, you can get a credit card with fair credit. Learn what fair credit means, which cards you can apply for, and how to boost your chances of approval.
Article written by Fiona Peake
5 min read
Yes, you can freeze your credit card to prevent fraud, control spending, or manage financial difficulties. Learn the steps, reasons, and how freezing your card affects your credit score.
Article written by Fiona Peake
6 min read
Wondering when to apply for a credit card? Get tips on the right age to do it and steps to take for your first card.
Article written by Fiona Peake
4 min read
Can you buy a car with a credit card? Learn when it’s possible, the pros and cons, and how to protect yourself and manage costs effectively.
Article written by Fiona Peake
5 min read
Find out how you can end up being in credit on your credit card, and why it’s not necessarily a good thing.
Article written by Fiona Peake
4 min read
Find out how to get a graduate credit card, what providers look for, and the easy steps that help you build your credit score after uni.
Article written by Fiona Peake
4 min read
Wondering how to find out more about annual fees and what kind of rewards come with them? We explain everything you need to know in plain English.
Article written by Fiona Peake
3 min read
We look at the ins and outs of prepaid cards, what you should use them for and if they impact your credit score.
Article written by Alice Williams
5 min read
Yes, you can withdraw cash from a credit card, but it's expensive. Learn about cash advance fees (3% or £3), interest rates of 25-30%, and cheaper alternatives.
Article written by Fiona Peake
3 min read
If you have a CCJ or bad credit history, your options for finance will be limited. However, may still be eligible for a credit card if you show lenders you can borrow responsibly.
Article written by Josephine Haagen
5 min read
You don’t have just one credit score. The three UK credit reference agencies each use different information and formulas to calculate your credit score.
Article written by Emma Lunn
3 min read
Being on the electoral roll will boost your credit score. Find out how to get on the electoral roll and how to check your voting registration shows on your credit report.
Article written by Emma Lunn
5 min read
If you have an IVA, you’re usually not allowed to borrow over £500. However, you may have alternative options after your IVA.
Article written by Josephine Haagen
5 min read
Want to build your credit score and avoid interest charges? Learn how to use your credit card smartly with 10 top tips from Ocean Finance.
Article written by Adele Kitchen
4 min read
Learn what happens if you miss a credit card payment, how it affects your credit score, and what steps you can take to minimise the impact. Find helpful tips and support options to stay on track.
Article written by Fiona Peake
4 min read
You don’t need to pay off your full credit card balance every month, but you’ll be charged interest if you don’t. Find out more in our quick guide.
Article written by Jimmy Coultas
4 min read
Yes - your credit card can get declined just like a debit card. Find out the reasons why and learn what to do if your card is declined in our helpful guide.
Article written by Fiona Peake
5 min read
Work out which debt is a priority and save on interest and charges. Learn if you should pay off your loan or credit card first with Ocean Finance.
Article written by Jimmy Coultas
9 min read
Learn how to lower your credit card interest by improving your credit score, negotiating with your issuer, and using balance transfer cards.
Article written by Fiona Peake
3 min read
Introductory rates can help you save money on interest, but there are a few different introductory offers you could get. Read on to find out how to make the most out of your credit card offers.
Article written by Fiona Peake
5 min read
Wondering how you can improve your credit score and your chances of getting approved for credit? We’ve put together seven top tips to help.
Article written by Adele Kitchen
6 min read
Your credit score has a major impact on whether you will be eligible to borrow money and the interest rate you’ll be charged. Find out how to check and improve your credit score.
Article written by Emma Lunn
5 min read
Find out how and where to check your score, what to look for and what’s important. Discover what else is in your credit report.
Article written by Fiona Peake
4 min read
The higher your credit score, the better. A good credit score with TransUnion is above 604, with Equifax above 531, and with Experian above 881.
Article written by Emma Lunn
5 min read
Section 75 protects credit card purchases between £100 and £30,000, allowing you to claim a refund if something goes wrong. Find out how it works, when it applies, and what protection is available outside of Section 75.
Article written by Fiona Peake
6 min read
Did you know that there’s a free way to safeguard your Mastercard debit and credit cards when shopping online? We explain all in our helpful guide.
Article written by Adele Kitchen
3 min read
Understanding the different types of credit card fees and interest charges can help you to avoid unnecessary expenses. Learn how to make the most of your credit card with our guide.
Article written by Fiona Peake
6 min read
If you want to make some home improvements, but don’t have enough to cover the cost, you can use a credit card. However, there are a few things to consider.
Article written by Alice Williams
6 min read
Find out all you need to know about getting your first credit card, how to apply and what will happen in the process.
Article written by Fiona Peake
5 min read
Here is a rundown of how to reduce your credit card security risks and what you should look out for when shopping both on and offline.
Article written by Adele Kitchen
4 min read
Lost your credit card? Don’t panic – act fast. Here’s how to report it, protect your money, and get a replacement quickly.
Article written by Fiona Peake
4 min read
Understand APR and how it affects your credit card costs, as well as ways you can improve your chances of being accepted for a lower rate.
Article written by Fiona Peake
3 min read
Find out all the reasons you should use a credit cards, how it can help your credit score and everything else you need to know.
Article written by Alice Williams
6 min read
Find out the ins and outs of a credit card and whether getting one is the right thing for you.
Article written by Alice Williams
5 min read
This guide will help you understand what different options you have when it comes to funding a vocational training course.
Article written by Alice Williams
5 min read
Discover how interest-free periods on credit cards work, how long they typically last, plus tips to maximise their benefits to avoid paying interest.
Article written by Fiona Peake
5 min read
Being self-employed doesn’t have to be the end of your credit card road. Discover what your employment status means and lots of application-boosting tips here.
Article written by Fiona Peake
6 min read
Charge cards must be paid in full each month, while credit cards let you spread the cost. Learn how they work and which one suits you best.
Article written by Fiona Peake
4 min read
Thinking about getting a credit card? Discover the pros, cons and whether it’s the right choice for your finances.
Article written by Fiona Peake
7 min read
Find out exactly what documents you’ll need to apply for a credit card online or in person. Here are the details UK banks and providers need for your application.
Article written by Fiona Peake
5 min read
In this day and age applying for a credit card is easy, but there’s still a lot to bear in mind. We’ve aimed to cover all of the most important points here.
Article written by Sarah Neate
5 min read
Learn how to get a credit card on a low income. Discover options for part-time workers, students, and those on benefits, plus tips to boost your approval chances.
Article written by Fiona Peake
6 min read
Balance transfer cards could help you save money on interest or consolidate your debt. However, there are many things to consider before deciding whether a balance transfer card is right for you.
Article written by Fiona Peake
7 min read
If you’re unclear on what credit is, here’s a rundown of the main types of credit that are available.
Article written by Sarah Neate
6 min read
If you’re retired or are close to retiring and want to know how this will affect applying for a credit card, Ocean has all the information you need.
Article written by Adele Kitchen
5 min read
If you’re looking to pay off your existing credit card debt with a credit card, make sure you read our in-depth guide to learn the ins and outs.
Article written by Fiona Peake
5 min read
Learn how to spot and avoid credit card fraud. Our guide covers common scams and tips to help you stay safe and protect your details.
Article written by Fiona Peake
6 min read
Learn what credit card utilisation is, how to calculate it, and why it matters for your credit score. Discover tips to manage it and improve your chances of being approved for borrowing.
Article written by Fiona Peake
5 min read
Consolidating your credit card debt can make payments more manageable but there are things to consider – we explain the available options.
Article written by Adele Kitchen
6 min read
If you’re considering filing for or have been declared bankrupt, it’s unlikely you’ll be able to get credit. However, there are other ways of repairing your credit history.
Article written by Josephine Haagen
6 min read
Credit cards can be a little confusing if you’re not sure which kind to get. We at look the different types available and how you can choose the right option.
Article written by Adele Kitchen
5 min read
See what you can do to boost your chances of being accepted for a credit card, and what things lenders look out for.
Article written by Fiona Peake
5 min read
Learn how to activate your new credit card with our simple guide. From online activation to digital verification methods, we cover all the ways to get your card ready to use.
Article written by Fiona Peake
5 min read
If you’re unemployed and looking to apply for a credit card, make sure you read our guide on things to consider and what solutions are available.
Article written by Adele Kitchen
6 min read
If you're considering using a credit card for your business, it's best to make sure you're using the correct type. Read on to find out how corporate cards and business cards differ.
Article written by Fiona Peake
6 min read
Is a small business credit card something you've been considering? Read on to find out how many you can have at any one time
Article written by Fiona Peake
5 min read
There are a number of different ways to fund your startup business, but could a credit card be a good place to start? Read on to find out.
Article written by Fiona Peake
6 min read
Find out about the main business card charges associated with processing credit card payments.
Article written by Adele Kitchen
6 min read
Find out the difference between a personal credit card and a business credit card and if you can use a personal credit card for business purposes or not.
Article written by Fiona Peake
6 min read
Your essential guide explaining the steps you need to take to get a business credit card if you are a sole trader and the advantages and disadvantages of doing so.
Article written by Fiona Peake
5 min read
Wondering whether a business credit card could be right for you? Find out what sort of business purchases you could make with a business credit card and how to go about getting one.
Article written by Fiona Peake
6 min read
Whether you're an established business or just starting out, having a business credit card could offer some benefits. Find out whether a business credit card if right for you and how to get one.
Article written by Fiona Peake
7 min read
Unless you're own a large established business, the chances are you will need a personal guarantee in order to get a business credit card. Find out what this means and whether you will need one.
Article written by Fiona Peake
6 min read
Find out how to apply for a business credit card if you have a new business. If you’re running a startup, sole trader or brand new company, follow our five steps to help you get approved for a business credit card..
Article written by Fiona Peake
6 min read
Find out if being a sole trader or taking out a business credit card impacts your credit score. Plus how to apply for a business credit card of you're self-employed.
Article written by Fiona Peake
5 min read
Getting a business credit card can be harder if you've got less than perfect credit, but it isn't impossible. Find out what you need to consider before applying for a business credit card.
Article written by Fiona Peake
6 min read
A business card can be one way to improve your personal credit score, but this depends how responsibly you use it. Find out whether a business credit card is the best option for you.
Article written by Fiona Peake
5 min read
Find out what you can and can't use your business credit card for.
Article written by Adele Kitchen
6 min read
Find out the pros and cons of getting a business credit card.
Article written by Adele Kitchen
5 min read
Discover how to qualify for a business credit card and how to find the best card for you.
Article written by Adele Kitchen
7 min read
Follow these tips to get the most out of your small business credit card.
Article written by Adele Kitchen
6 min read
Find out if it’s possible to get a credit card as a freelancer and if you should consider getting a small business credit card or a personal card.
Article written by Adele Kitchen
5 min read
Find out if you’re eligible for a startup business credit card and how to go about choosing the right one.
Article written by Adele Kitchen
5 min read
How to set up credit card processing for a small business | Ocean Finance
Article written by Adele Kitchen
5 min read
A bad credit score can limit your borrowing options and lead to higher costs. Learn what’s considered bad in the UK and how to improve your score.
Article written by Fiona Peake
8 min read
If you need to borrow but have bad credit, you may be looking into a loan or a credit card. Find out which fits your needs in this guide.
Article written by Josephine Haagen
6 min read
Learn how long it takes to get approved for a credit card, and how long you can expect to wait until your card arrives. Plus, things you can do to speed up the process.
Article written by Fiona Peake
3 min read
Discover what you can use your credit card for, from everyday spending to big-ticket purchases. Learn what’s covered, when it’s worth using, and tips to stay in control.
Article written by Fiona Peake
4 min read
It’s possible to pay your bills with a credit card. Learn which bills you can pay, the pros and cons, and how it affects your credit score.
Article written by Fiona Peake
4 min read
Struggling to keep up with your credit card payments? Learn what happens if you can’t pay, how to act quickly, and the steps to regain control of your finances.
Article written by Fiona Peake
4 min read
Don’t worry if your credit score is low. There are easy ways to boost your score right now, and other actions that could improve it in the next few months.
Article written by Emma Lunn
5 min read
Making regular transactions on a credit building credit card and paying the bill in full each month can boost your credit score.
Article written by Emma Lunn
4 min read
You could save money on interest, combine your debts and pay off what you owe faster with a balance transfer card. See how these fees affect your financial goals before applying.
Article written by Fiona Peake
3 min read
Learn what happens to your old credit card after a balance transfer. Understand its impact on your credit score and get tips for managing the transition smoothly.
Article written by Fiona Peake
3 min read
Balance transfer cards cut credit card debt with lower rates, while money transfer cards provide cash to your bank for a range of needs. Learn which card is right for you.
Article written by Fiona Peake
4 min read
Find out how long it takes to transfer balances between credit cards and get tips to make it quicker and easier.
Article written by Fiona Peake
4 min read
You might be able to do a balance transfer for someone else, but there are some things to consider. Learn what you can expect if you’re looking to balance transfer from someone else’s credit card.
Article written by Fiona Peake
5 min read
Your payment history, debts and repayments, credit utilisation ratio, financial associates and hard credit checks all affect your credit score.
Article written by Emma Lunn
4 min read
Having an overdraft on your current account is unlikely to significantly affect your credit score. The way you manage your overdraft could have an impact on your score.
Article written by Emma Lunn
5 min read
Most Buy Now Pay Later companies report payment information to credit reference agencies. This means using BNPL schemes such as Klarna will affect your credit score.
Article written by Emma Lunn
4 min read
Switching bank accounts can affect your credit score. Hard credit checks and overdraft applications will show on your credit report.
Article written by Emma Lunn
4 min read
Using your credit card regularly and responsibly can boost your credit score. Paying late or missing a payment can lower your score.
Article written by Emma Lunn
4 min read
Simply moving house won’t affect your credit score. But missed payments or too many credit applications at your new address could have a negative effect.
Article written by Emma Lunn
3 min read
Being on Universal Credit will not affect your credit score as your score is calculated based on your borrowing history and debts, not your source of income.
Article written by Emma Lunn
4 min read
Learn what residual interest is, how it works, and how it differs from regular interest. Understand how residual interest can still accumulate on your credit card balance even after making a payment and discover practical tips to avoid it.
Article written by Fiona Peake
3 min read
Discover why credit card rejections happen, how you can prevent it and what to do if you are rejected for a credit card.
Article written by Fiona Peake
4 min read
Wondering why your credit score is low after getting a credit card? Learn how applying for and using a credit card can affect your credit score.
Article written by Fiona Peake
3 min read
Waiting for the right amount of time between credit card applications can help boost your chances of being approved. Find out how long you should be waiting and why.
Article written by Fiona Peake
3 min read
A credit card lets you borrow money from a lender to pay for things. You can use it in shops, online, or over the phone – just like a debit card – but instead of spending your own money, you're borrowing it. You’ll repay what you owe later, either in full or in instalments.
Article written by Fiona Peake
5 min read
Learn how to cancel a credit card with ease and the steps to take before you do. Understand the potential effects on your credit score and explore options like balance transfer cards to help manage your debt.
Article written by Fiona Peake
2 min read
Transferring money from a credit card to your bank account can be useful, but it’s important to understand the costs. From cash advances to money transfer cards, explore the options and potential fees before making a decision.
Article written by Fiona Peake
5 min read
Discover why paying your mortgage with a credit card is generally not recommended and explore alternative solutions to manage your mortgage payments effectively.
Article written by Fiona Peake
4 min read
Find out if guaranteed approval credit cards really exist and how to increase your chances of being accepted with the right strategy.
Article written by Fiona Peake
4 min read
Discover how to get a credit card with no annual fee. Learn the benefits, drawbacks, and how to choose the right card for you.
Article written by Fiona Peake
5 min read
Trying to decide between a credit card and a debit card? Learn which one best suits your financial needs, whether you want to build credit, avoid fees, or manage everyday spending.
Article written by Fiona Peake
3 min read
Learn how to read your credit card statement with our simple guide. Understand balances, dates, and transactions easily.
Article written by Zubin Kavarana
5 min read
Learn about secured credit cards, how they work, who can get one, and tips for using them responsibly.
Article written by Fiona Peake
3 min read
A chargeback lets you get your money back if something goes wrong with a credit or debit card purchase. Learn how chargebacks work and when to use them.
Article written by Fiona Peake
6 min read
Store cards offer shop discounts and rewards, but they can cost more than you expect. Learn how they work, the risks, and if they help build credit.
Article written by Fiona Peake
5 min read
